And why it keeps your credit card balance from ever going down The holidays are over… and now the credit card bills are rolling in. 😬 So let’s start the New Year by learning how to actually manage credit card debt. But first, a little story. There was a time when I had a ridiculous amount of credit card debt. And by ridiculous, I mean well over my annual income. I was desperate to get it paid off. I read the books, studied the methods, and every month I threw every extra dollar I had at the credit card with the highest interest rate (hello, debt avalanche). And almost every month, Something. Would. Come. Up. The car I needed to get to work needed repairs. My child needed to see the doctor. Once, the only toilet in the house broke and required an emergency plumber. 🚽 I had no savings, so I did what I had to do, I pulled out the credit card. And every month, my balance went up, not down. It was incredibly frustrating. (Side note: credit card companies LOVE people who carry high balances and pay more than the minimum. My credit score was excellent, and they were always happy to offer me a new card or raise my limit so I could pile on even more debt! 🙃) Eventually, I realized I was focusing on the wrong thing. I was obsessed with paying off my credit cards, when what I really needed to focus on was not adding to the debt. (Yes, I can hear the trolls: “Well, duh.” Go ahead. This shift was huge for me.) And that’s how I came up with my very simple two-step debt payoff plan: Step 1: Set all your credit cards to auto-pay the minimum payment. Step 2: Do not charge anything to your credit cards. Nothing. Nada. Zip.Want, need, doesn’t matter. Figure it out. Pay cash. 💳🚫 That’s it. No spreadsheets. No complicated math. Depending on how many cards you have, this could take as little as 10 minutes to set up. If you do nothing else—and you stick to the plan—your credit cards will get paid off. I didn’t say it was easy.I said it was simple. Every time I share this, I hear the same pushback:

Drop your rewritten money belief right here ⬇️ Tell us: ✨ How does this new belief feel compared to the old one? ✨ What’s one way you can strengthen it this week? ✨ And what tiny action can you take to make it feel real in your daily life? This is where the shift starts. You change your thinking, say it out loud, and take small actions to make it stick. 💛 Money Mindset Jumpstart Mini Course

Have you ever told yourself, “Ugh, I’m just bad with money”? 😬 Yep — I’ve been there too. (I once bought a stock on a “hot tip” and watched my money disappear.) So let’s bust this myth right now. “I’m just bad with money.” 🙅‍♀️ No you’re not. Being good or bad with money isn’t something you are born with, like having blue eyes or brown eyes, it is something you learn. It is a skill you can develop and grow. The problem is, there is just so much bad money advice out there. And not just from the get rich quick crowd. I’ve seen top financial money sites, and professional financial advisors give out advice that is wrong for most people. So if you’ve ever said this to yourself, take a deep breath. You’re not bad with money — you just haven’t had the chance to learn money in a way that makes sense to you. 🧠 Why You Need To Bust This Myth When you label yourself as “bad with money,” it is like a stop sign for your brain. Your brain believes what you tell it, so if you say I am bad with money, your brain says OK, no point in trying. I will just accept the bad results and live in my current money mess. The good news is, you can change that story anytime. 💡 The mindset shift The next time you catch yourself saying, “I’m bad with money,” try one of these instead: ✨ “I’m not good with money yet, but I’m getting better.” ✨ “I’m learning new money skills every day.” See the difference? That tiny reframe moves you from “Stop, I don’t even want to think about this” → to “Okay, I’m open to learning something new.” You don’t need to be perfect — money will always be a little messy — but you do need to stay curious and keep learning. 💪 ✅ Action step: start small (and keep it simple) Pick one tiny money habit to practice this week: - 💰 Check your bank balance every morning. - 💳 Set up autopay for one bill. - 🌈 Rename your savings account something fun — like “Freedom Fund” or “No-Stress Stash.” - Being good with money isn’t about being perfect. It’s about showing up, paying attention, and giving yourself permission to learn.

Look at you! Moving through this course like a total money-shifting powerhouse. ✨ I'm proud of you already! Now it’s time to drop your Module 2 wins: 🔹 Your money stress (what’s been weighing on you) 🔹 Your flipped script (the kinder, truer reframe) 🔹 Your tiny action step (the one doable thing you’ll take this week) Post them below, I cannot wait to cheer you on, hype your progress, and celebrate every bit of momentum you’re creating. 🙌 Money Mindset Jumpstart Mini Course

It’s the end of the year, and I’ve been rethinking what I want for 2026, specifically, what I want to do with this Skool group. I’ve worked in finance and money my entire life. I’ve read more money books than I can count, and I have years of both traditional and non-traditional education around money. And honestly, I’m frustrated, deeply frustrated, by the lack of good money advice available to the people who need it most. 💜I think I’ve finally found my passion project.💜 I want to teach you the skills and share the insights I’ve learned from over 30 years of working with people and their money, what actually works, what doesn’t, and what no one seems to talk about. So many people struggle with money not because they’re dumb, lazy, or irresponsible, but because they were never taught how money actually works. Add to that the massive amount of misinformation coming from people with agendas, and it’s no wonder so many feel stuck. 💸Financial advisors often give advice that benefits only them. 💸Money gurus want you to buy their course, that ends up just selling you on the next course. 💸Influencers share bad advice just for likes and views. 💸And there’s endless advice on paying off credit card debt that never addresses why the debt exists in the first place. I love people who talk about money mindset. Mindset matters. But mindset alone isn’t enough. You also need practical, tactical steps that actually improve your financial life. So for the coming year, Messy Money School is becoming exactly that: school. We’re going back to the beginning. I’m going to start posting what I believe everyone deserves to know about money, 💥 the mindset and the math 💥Inspiration and investing 💥Affirmations and accountability 💥Fun and Finance You get the idea! This is the education I wish I had when I was younger, shared without guilt, without shame, and with a little fun mixed in. This group is also about community. You’re not meant to do this alone. This is a place for support, encouragement, and honest conversations. You’ll be encouraged to share your wins, big and small, because progress matters, and celebrating those wins helps all of us keep going. 🎉